Toll Free 855-CAL-FLOOD (225-3566)

Frequently Asked Questions


Doesn’t my homeowners insurance policy cover flooding?

Is all Flood Insurance the same?

If my home is flooded, won’t federal disaster assistance pay for my damages?

I live in a low-risk flood zone. Do I really need flood insurance?

Why do I need flood insurance, even though my community has never been flooded?

Why does my mortgage lender require me to buy flood insurance?

I’m not in a high-risk area, but I’d like flood coverage. Is this possible?

I live in a high-risk risk area. After my home was damaged in a flood, I received federal disaster assistance. Do I need to purchase flood insurance now?

What are flood zones?

What is a Flood Insurance Rate Map (FIRM) and how do I use it?

What is a Special Flood Hazard Area (SFHA)?

What is a Non-Special Flood Hazard Area (NSFHA)?

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